CAR INSURANCE
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Coverage for the entire journey
PEMCO has been serving the Pacific Northwest for more than 75 years. We’re along for the journey, by rewarding responsible drivers and their vehicles with customized car insurance policies for Washington and Oregon residents. We offer support and education to enable you to avoid incidents, reliable coverage that fits your needs, and award-winning customer service to help you worry less and live more.
Car Insurance from PEMCO
Searching for the best car insurance coverage? Look no further! At PEMCO, we understand that every driver is unique. That's why we offer customized and reliable car insurance policies to suit your families' needs. Get your personalized car insurance quote today and experience the difference of working with a company that truly cares about prevention, your safety, and your peace of mind.
Our licensed agents are here for you, whether you're filing a claim and need help to find a repair shop, or you have questions about avoiding car theft. That's why we've won more customer service awards than any other insurance company in the Northwest.
Car Insurance that fits your unique needs
As a leading provider of car insurance in the Pacific Northwest, we value our customers and dedicate ourselves to delivering best-in-class service and coverage that you can count on.
Comprehensive coverage
Can help cover damage to your car that's not included in Collision. Comprehensive may cover things like theft, fire, vandalism, and glass repair or replacement. If you have a car loan, your bank will require Comprehensive coverage, too.
Underinsured or Uninsured Motorist coverage
Can help provide coverage for you and your car in an accident caused by someone without insurance or not enough insurance.
Towing coverage
Can help if your car breaks down and needs work right on the spot or must be towed to a shop.
Car Insurance coverage for the whole family
Whether you're on a solo road trip or shuttling your family to and fro, PEMCO is here for the entire journey.
Personal Injury Protection
This can help with medical expenses, income loss, and more for you, your family, and others in your car who are hurt in an accident. This additional coverage is required in Oregon and recommended in Washington.
Underinsured or Uninsured Motorist
Can help pay medical costs and other related damages if a covered person is hurt in an accident caused by someone without insurance or not enough insurance. This coverage is required in Oregon and optional in Washington.
Car insurance that provides liability insurance when you need it
If you're found legally liable for a crash, your PEMCO Auto insurance coverage can help protect you and make things right.
Property Damage Liability coverage
This can help pay for the other person's car and/or belongings damaged in an accident if a covered person is held legally liable for the accident. It can take care of defense costs if you must go to court, and it's required by state law.
Bodily Injury Liability coverage
If you have this coverage and are found legally responsible for bodily injury during a covered loss, this coverage can help handle the costs up to your policy's limits.
Car Insurance savings
PEMCO offers a wide variety of discounts on auto coverage, often for things you're already doing, so your coverage is priced competitively.
Car Insurance savings for your safe driving
Drivers can save up to 20% with PEMCODOMETER™ My Driving Discount – a telematics solution that rewards safe habits like driving the speed limit, keeping your phone down, and more.
My Driving Discount is powered by the Go PEMCO app, which you can download on your smartphone. It runs silently in the background as you drive to monitor your driving habits.
After 91 days, it determines if you're eligible for a discount and how much you'll save. Each driver on your policy can participate, and they'll earn a discount during monitoring just for trying it.
Bundle and save
Save money when you purchase multiple PEMCO policies.
Discounts that go the extra mile
We offer a range of discounts for educators, good students, defensive drivers and more. Learn more about ways you can save on your auto insurance coverage here.
Why choose PEMCO for your car insurance?
As a leading provider of car insurance in the Pacific Northwest for more than 75 years, we value our customers and dedicate ourselves to delivering best-in-class service and coverage that you can count on. Here are just a few reasons why choosing PEMCO is the smart choice for your car insurance needs:
Customized coverage
Our experienced agents work with you to create a car insurance policy that fits your unique requirements, so you only pay for what you need.
Competitive premiums
Our competitive rates and various discounts make it easy to find a policy that fits your needs.
Easy-to-use online platform
Get a quote, purchase a policy, manage your account, and file a claim anytime, anywhere, with our user-friendly website and mobile app.
Local, personalized service
Our knowledgeable, friendly agents are always here to help with any questions or concerns you may have about your car insurance. Talk to a licensed insurance expert who is ready to assist you when you need it most.
Experience you can count on
PEMCO has been serving the Pacific Northwest for over 75 years and has earned a reputation as a trusted insurance provider with best-in-class customer service and expertise you can rely on.
The definitions on this page are simplified and therefore not legally binding. Your policy will have more details about your specific coverages and exclusions. To learn more about your specific policy, you can log into your PEMCO self-service account or talk with your local PEMCO agent.
FAQ
Your insurance follows your vehicle, wherever it goes. So if you lend your car to a friend, co-worker or visiting relative, you're lending your insurance along with it. Your policy will defend your vehicle should any claims arise, so it's important that whoever is borrowing the car will act responsibly.
Your PEMCO agent would be happy to advise you on protecting your car for less common situations, such as when the person borrowing the vehicle will use it for an extended time.
Yes, however, there are key differences from regular coverage.
Your policy will cover you for the occasional use of automobiles you rent in the U.S. and Canada, depending on the coverages you’ve purchased. It also covers certain expenses the rental car company may charge such as administrative fees, diminished value and loss of use.* Vehicles other than private passenger cars may receive only some of the coverages.
If you rent automobiles on a regular basis and want to know how to get the best protection with your policy, please contact our Customer Service Department to discuss more coverage options.
*Coverage of certain expenses rental car companies may charge is currently available to Washington State policyholders only.
No, but you can add a rideshare endorsement for specific vehicles on your PEMCO policy. It protects you three ways when you’re driving your car for a company like Uber or Lyft:
- Plugs gaps. PEMCO’s rideshare endorsement protects you from the moment you turn on the app and helps cover gaps in the rideshare company’s insurance.
- Reduces your deductible. Rideshare companies typically have high deductibles. With the endorsement, your regular PEMCO deductible applies.
- Adds extra protection. When the rideshare company’s coverage is primary, your PEMCO rideshare endorsement provides additional protection for listed coverages.
Move your car to the side of the road, if possible. You'll want to take photos of the scene and get details from the other party such as their name, license plate number and insurance policy information. Next, report the accident to police. Call PEMCO or click here to file a claim. Visit our claims page for more information.
Add young drivers to your policy as soon as they have a driving permit – PEMCO doesn't charge for insuring drivers who have a learner's permit. Once the driver has a license, let us know.
If your driver has a GPA of 3.0 and is a full-time student under age 25, you can save with the Good Student Discount. Just send your most recent report card or transcript and your policy number to us at gsd@pemco.com or P.O. Box 778, Seattle, WA 98111-0778. Once the discount has been applied, you don't need to send further report cards.
If your student is living 75+ miles from home and is without a car, they qualify for PEMCO's Distant Student Discount. This keeps them insured under your policy, but at a reduced rate.
We want the claims process to be simple and easy. Call us at 1-800-467-3626 or click here to report a claim.
Visit the Claims page to learn about your options for vehicle repair.
Personal Injury Protection (PIP) covers reasonable and necessary medical and hospital expenses related to a covered claim, and it has no deductible. It also pays for loss of income and essential services, such as house cleaning or dog walking, that you're unable to do as a result of the injury.
Even if you have medical insurance, your plan may not give you enough coverage.
PIP is "no-fault" coverage, meaning it's available whether you caused the accident or not. It's in addition to any liability coverage that might be available from the driver who caused the accident. PIP also covers all the occupants of the vehicle, as well as pedestrians and bicyclists hit by the vehicle.
Despite mandatory insurance laws in most states, about one in eight drivers or 14% across the United States may be driving uninsured, according to a study from the Insurance Research Council.
Underinsured Motorist provides coverage to you and your passengers for bodily injury and property damage caused by an uninsured motorist (a person who does not have insurance) or underinsured motorist (a person who does not have enough coverage to compensate you for your damages).
Contact us to enroll. All you need is your smartphone, a PEMCO online account and the Go PEMCO app. Just a few taps get you set up for monitoring, then your safe-driving habits do the rest to help you save! Learn more.
Yes, double the defense deserves a discount. You receive a discount on both your home and auto policies if you insure both with PEMCO. There may be additional discounts available if you have a PEMCO Umbrella policy or insure your boat or rental property with us.
Yes, if you have a current PEMCO Auto policy and we insure all other vehicles you own. If you're adding another vehicle to the policy, you'll need to let us know within 30 days. If your new vehicle is replacing your current one, you'll just need to let us know within 60 days.
Like many insurance companies, PEMCO does not accept vehicles with branded titles. Besides having more severe losses compared with other cars, they have safety and mechanical concerns that can impact the well-being of everyone on the road. Branded titles identify vehicles as "totaled" in addition to other notations including "salvage," "junk," "dismantled," "flood," "fire" and "hail."
For vehicles with a "Rebuilt" or "Reconstructed" title, we can't offer physical damage coverage (collision, comprehensive, towing and rental reimbursement).
Auto tips & resources
Partners in prevention
Imagine a world where we can help prevent accidents before they even happen. PEMCO is here to help you worry less and live more by providing you with prevention tips and resources straight from the experts.